Aflac Auto Insurance Review (2022)

Aflac auto insurance is not available, but some of the company's other policies may be helpful after a car accident. Aflac is the number one supplemental health insurer, a product that can help pay a wide range of expenses during a short-term disability.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 29, 2022Fact Checked
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Aflac

Average annual rate for good drivers:

N/A

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • It is the largest provider of supplemental insurance in the nation
  • Aflac accident insurance and hospital indemnity are among the policies that may help pay excess costs for medical needs after a car accident

Cons

  • Aflac doesn’t sell auto insurance, but some of its policy benefits may be helpful if you are injured in an accident

The Bottom Line

Although Aflac does not sell auto insurance, Aflac health insurance sometimes covers medical bills related to automobile accidents in some cases. Curious how insurance claims for car accidents work? Aflac’s accident insurance, for example, can be useful for short- or long-term injuries that are caused by an automobile accident. Aflac and auto insurance companies coverage can sometimes be combined.

Aflac is famous for its Aflac Duck advertising campaign. In recent years, the Aflac Duck has been added to Aflac’s logo. Take a look at this quick Aflac insurance commercial, which premiered during the 2016 Grammy Awards.

Aflac was founded in 1955 by three brothers: John, Paul, and Bill Amos. At that time, the Amos brothers ran Aflac out of a six-room complex in Columbus, Georgia. With the help of 16 employees and 60 agents, they were able to secure 6,400 policyholders by the end of their first year.

Three years later, Aflac pioneered cancer insurance. Aflac also debuted a unique marketing system that focused on “cluster selling” and worksite marketing. This differentiated Aflac from most major companies of that era, which were chiefly using door-to-door strategies to market their policies.

Today, Aflac maintains a strong relationship with its Japanese division. The majority of Aflac’s pre-tax earnings come from Japan, and in 2011, Aflac was the first company to contribute more than $1 million to the Red Cross for tsunami relief there.

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Aflac Coverage Options

Here are the four main supplemental policies available through Aflac:

  • Accident insurance – Aflac’s accident insurance helps cover out-of-pocket medical payments your primary insurance does not cover if you’ve had an accident. This means Aflac helps with short-term disability.
  • Dental insurance – Though your primary dental insurance policy insures routine visits to the dentist, it may not cover special dental care like orthodontist appointments, wisdom teeth removal, and cosmetic procedures. Aflac’s supplemental dental insurance can help cover these costs.
  • Cancer insurance – Medical payments and everyday living expenses can build up if you need long-term medical care. Aflac’s cancer insurance can help cancer patients pay for deductibles, co-payments, and small expenses incurred during cancer treatment.
  • Critical illness insurance – Aflac’s critical illness insurance helps cover the cost of serious medical conditions like heart attacks and strokes. This policy can even cover living expenses and non-medical bills incurred while a patient is receiving care.

More and more Americans are investing in these types of policies, especially policies like Aflac group insurance.

Aflac vs. Competitors

In 2013, Aflac received the “Salute to Greatness” award from the Dr. Martin Luther King, Jr. Center in Atlanta, Georgia. That year, Aflac also appeared on Fortune Magazine’s list of The World’s Most Admired Companies for the 13th time.

Though Aflac is available nationwide, its plans and benefits vary by state.

New York, for example, does not allow stand-alone cancer insurance policies. This is because some government organizations are critical of this type of policy. In 1994, a study by the Federal General Accounting Office found that insurance companies that sold cancer insurance policies paid back as little as 35 percent of the premiums they received from policyholders.

Frequently Asked Questions

#1 – How long does it take Aflac to review a claim?

Aflac’s One Day Pay℠ program processes and approves claims the same day you submit them. This allows you to get paid in one day. If you don’t use One Day Pay℠, it will take Aflac longer to review your claim. For example, this can happen if you file a claim by fax or mail.

#2 – How does Aflac verify claims?

Aflac requires related documents to verify your claim. These documents can include receipts, bills, and certificates. If you have not provided the correct or required documents, Aflac will deem your claim incomplete. You will be notified within up to 10 days. This will lengthen the claim filing process.

#3 – What is Aflac’s hospital indemnity plan?

Aflac’s hospital indemnity plan is designed to cover the cost of a hospital visit after you hit your primary health insurance coverage limit. This plan can cover expenses like admissions fees and intensive care costs.

#4 – Do I need medical coverage on my auto insurance with Aflac?

No, you do not need medical coverage on your Aflac auto insurance because Aflac auto insurance does not exist. If you have questions about Aflac and car insurance call the phone number at the top of this page.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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